| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 7.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | BMO-88/PO BOX 1414 MINNEAPOLIS, MN 55480 | SIRIUS AMERICA INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MASSACHUSETTS HOSPITAL ASSOCIATION3 | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | SIRIUS AMERICA INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | BMO-88/PO BOX 1414 MINNEAPOLIS, MN 55480 | SIRIUS AMERICA INSURANCE COMPANY | $322 | — | $322 | 9.99% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | P.O. BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.91% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 2.81% |
| MICHAEL S OBERLANDER3 | P.O. BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.71% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.94% |
| KEVIN M WHITE3 | 8 BEACON STREET BOSTON, MA 02108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.73% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.21% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 446 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 205 | $151K |
| Other(3 contracts, 2 carriers) | NEW DIRECTIONS BEHAVIORAL HEALTH | 4,048 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,048 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.